Fiducian Group Ltd (FID) AI Stock Analysis

• Market Cap: AU$368.71M
• Dividend Yield: 3.99%
• Average Volume (3M): 15.39K
• Price to Earnings (P/E): 21.8
• Beta (1Y): 0.57
• Revenue Growth: 12.05%
• EPS Growth: 23.63%
• Country: AU
• Employees: 125
• Sector: Financial
• Sector Strength: 72
• Industry: Asset Management
• EPS (TTM): 0.31
• Shares Outstanding: 31,567,623
• 10 Day Avg. Volume: 16,828
• 30 Day Avg. Volume: 15,389
• PEG Ratio: 1.90
• Price to Book (P/B): 5.88
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 16.17
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: AU$10.00
• Price Target Upside: -14.38% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 76 Outperform
• Price Target: AU$13.00 ▲(11.30%Upside)

Fiducian Group Ltd's strong financial performance is the most significant factor driving its score, supported by robust growth and stability. However, technical indicators suggest potential short-term overbought conditions, and the relatively high P/E ratio indicates possible overvaluation. Despite these concerns, the company's solid financial foundation and attractive dividend yield contribute positively to its overall score.

Fiducian Group Ltd Business Overview & Revenue Model

Company Description

Fiducian Group Ltd, through its subsidiaries, provides financial services in Australia. It operates through Funds Management, Financial Planning, Corporate Services, and Platform Administration segments. The company provides investor directed portfolio and separately managed accounts services; and acts as the trustee of fiducial superannuation services. It also offers fiducial funds; financial planning services; client account administration platforms; and wrap platform administration services. In addition, the company develops IT software systems for financial planning; and offers financial advisory services, such as cash flow management, debt reduction, planning retirement, estate management, and aged care, as well as provides platform solutions and SMSF administration services. Further, it offers diversified and sector funds, specialist funds, managed portfolios, and manager system services. The company was founded in 1996 and is based in Sydney, Australia.

How the Company Makes Money

Fiducian Group Ltd generates revenue primarily through fees for its financial services. The company's key revenue streams include management fees from its investment management services, fees for financial planning and advisory services, and administration fees from its superannuation products. Fiducian's earnings are also supported by its proprietary technology platform that enhances service delivery and operational efficiency. Additionally, strategic partnerships with financial advisers and institutions contribute to its revenue by expanding its client base and service offerings.

Fiducian Group Ltd Financial Statement Overview

Summary

Fiducian Group Ltd demonstrates strong financial health with consistent revenue and profit growth. The company maintains solid profit margins, low leverage, and high equity ratio, indicating financial stability and efficient cash management. Minor concerns include slightly declining gross profit margins and moderate ROE, but overall, the financial position is robust.

Income Statement

Fiducian Group Ltd has shown consistent revenue growth with a 10.2% increase from 2023 to 2024, accompanied by a strong net profit margin of 18.6% in 2024. The gross profit margin is robust at 43.8%, indicating efficient cost management. EBIT and EBITDA margins are also healthy at 43.5% and 32.2%, respectively, reflecting strong operational performance. Overall, the company demonstrates solid profitability and growth, with a slight decrease in gross profit margin from the previous year as a minor concern.

Balance Sheet

The balance sheet shows a strong equity base with an equity ratio of 76.5% in 2024, indicating financial stability. The debt-to-equity ratio is low at 0.05, which signifies minimal leverage risk. However, the return on equity (ROE) is moderate at 27.5%, suggesting room for improvement in returns on shareholder investments. Overall, the company maintains a solid financial position with low leverage, which is a positive aspect.

Cash Flow

Fiducian Group Ltd exhibits a healthy cash flow situation with an operating cash flow to net income ratio of 1.29 in 2024, indicating efficient conversion of income into cash. The free cash flow to net income ratio is also strong at 1.29, reflecting effective cash management. Free cash flow has grown by 39.3% compared to the previous year, showcasing strong cash generation capabilities. However, the investing cash flow is slightly negative, which could be a potential area to monitor.

Breakdown	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement
Total Revenue	58.83M	51.50M	48.78M	40.46M	37.36M
Gross Profit	35.37M	29.46M	30.87M	25.83M	24.27M
EBITDA	26.06M	22.44M	21.63M	20.56M	18.34M
Net Income	15.04M	12.32M	13.32M	12.18M	10.46M
Balance Sheet
Total Assets	71.40M	72.34M	74.28M	61.74M	58.21M
Cash, Cash Equivalents and Short-Term Investments	26.60M	19.65M	17.48M	19.32M	13.96M
Total Debt	2.98M	4.24M	5.83M	5.89M	7.24M
Total Liabilities	16.79M	21.43M	27.15M	18.88M	20.09M
Stockholders Equity	54.61M	50.91M	47.13M	42.87M	38.12M
Cash Flow
Free Cash Flow	19.38M	13.90M	18.10M	15.93M	10.92M
Operating Cash Flow	19.46M	14.28M	18.68M	16.04M	11.72M
Investing Cash Flow	546.00K	-1.96M	-9.71M	-1.47M	-1.24M
Financing Cash Flow	-13.05M	-10.15M	-10.80M	-9.21M	-8.31M

Fiducian Group Ltd Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 11.68
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:FID, the sentiment is Positive. The current price of 11.68 is above the 20-day moving average (MA) of 10.22, above the 50-day MA of 9.90, and above the 200-day MA of 9.30, indicating a bullish trend. The MACD of 0.40 indicates Negative momentum. The RSI at 72.48 is Negative, neither overbought nor oversold. The STOCH value of 87.92 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:FID.

Fiducian Group Ltd Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FID	76 Outperform	AU$368.71M	21.84	30.97%	3.99%	12.05%	23.63%
Sector *	68 Neutral	$17.10B	11.44	9.70%	3.58%	11.11%	-4.78%
PIJ	―	€202.88M	12.51	9.63%	52.40%	―	―
TSRUF	―	$216.69M	2.83	33.29%	0.43%	―	―
E7L	―	€90.71M	12.95	9.28%	5.64%	―	―
REP	54 Neutral	AU$300.70M	―	-4.99%	8.33%	4.56%	35.07%
CVC	46 Neutral	AU$244.94M	―	-2.32%	―	-67.43%	-131.40%

Fiducian Group Ltd Corporate Events

Fiducian Group Director Increases Shareholding

Fiducian Group Limited announced a change in the director’s interest, with Director Samir Hallab acquiring an additional 4,000 ordinary shares through an on-market trade, increasing his indirect holdings to 125,000 shares. This transaction reflects a continued confidence in the company’s prospects and may influence stakeholder perceptions positively regarding the company’s future performance.

Fiducian Group Announces Change in Registry Address

Fiducian Group Ltd has announced a change in the registry address for its Sydney office of Computershare Investor Services Pty Limited, effective from June 10, 2025. This move, authorized by the company secretary, does not affect the telephone numbers or postal address, ensuring continuity in communication for stakeholders.

Fiducian Group Ltd Announces Director’s Change in Securities Interest

Fiducian Group Ltd has announced a change in the director’s interest, specifically regarding Samir (Sam) Hallab’s indirect interest in the company’s securities. The change involved the acquisition of additional ordinary shares through on-market trades, increasing his indirect holdings to 121,000 shares. This adjustment in director’s holdings reflects ongoing engagement and investment in the company’s growth and stability, potentially impacting stakeholder confidence positively.

Fiducian Group Director Increases Shareholding

Fiducian Group Limited has announced a change in the director’s interest notice, specifically for Director Kerry Skellern. On May 21, 2025, Skellern acquired 1,000 ordinary shares through an on-market trade, increasing their direct holding from 13,500 to 14,500 shares. This transaction reflects a modest increase in Skellern’s stake in the company, potentially signaling confidence in Fiducian Group’s future performance.